In our previous post we explained what Riders and Endorsements are and gave some examples of these on a P&C policy. Today we’ll talk about riders on Life Insurance products.

Remember, a ‘rider’ is a temporary addition to an insurance policy that can be added or removed that does not change the original benefits stated in a policy and an ‘endorsement’ is a permanent change to increase benefits to an existing policy and both result in additional premiums.

Months on the open road, hiking in the mountains or forests…. Many people dream of taking an extensive vacation, voyage abroad, long road trip or RV trek across the country. No one likes to think they won’t return from their ‘vacation’ but, more times than we imagine, some don’t. Therefore, it is important to make sure your legal affairs are in order and that someone knows what your final wishes are and how to carry them out.

Here are a few things to keep in mind and help you prepare before you begin your journey….